The following is a compilation of papers, articles, websites, books, calculators, etc. that deal with the question, "How much of my savings can I withdraw in each year of my retirement without incurring an undue risk of depleting my assets?" as well as with related retirement planning issues.

The answer, as little as 3% or 4%, may surprise those who've been told by financial advisers or mutual fund companies that 8% or 10% annual withdrawals are sustainable.

The references below are organized according to the source's affiliation, then sorted alphabetically.

Efficient Frontier [Bill Bernstein]The Retirement Calculator from Hell [Sep98] "One point cannot be made often enough -- when you retire, are you going to be withdrawing a fixed inflation adjusted amount on a regular basis, or are you going to be withdrawing a fixed percentage of your portfolio? This is not a semantic fine point."The Retirement Calculator from Hell - Part II [Jan01] "Obviously, Monte Carlo has its flaws. But playing with your portfolio's return/risk assumptions gives you a good idea of the tradeoffs between these inputs and retirement success. And it’s lot more realistic than
using a simple amortization calculation... by a country mile."The Retirement Calculator from Hell - Part III [Sep01] "So live a little, and enjoy your money, for tomorrow we may be consumed by the ghosts of Hitler, Lenin, and Attila the Hun. And at withdrawals of 3% to 4% of your nest egg, don’t spend it all in one place."The Retirement Calculator from Hell - Part IV [Jan03] "If you want to retire early, what matters is not how much you save, but how much more than everyone else you save. In a world where everyone saves as if they’re going to retire at fifty-five, or even at sixty-five, none can." See also Arnott and Casscells, Demographics and Capital Markets ReturnsThe Retirement Calculator from Hell - Part V [Apr03] "You may think that a real dollar -- one that has been adjusted for inflation -- may buy you just as much satisfaction in the future as it does today. But you’d be wrong."

Jim C. OtarHigh Expectations & False Dreams: One Hundred Years of Stock Market History Applied to Retirement Planning. ISBN: 0968963404. Otar, 2001.
Book that analyses retirement portfolios and withdrawal strategies using one hundred years of US stock market history.Retirement Portfolio Analysis and Optimization

VanguardDetermine how much you can withdraw"The amount you can withdraw from your investments each month in retirement will be based on how much you've saved, your asset allocation, how long you expect to spend in retirement, and which withdrawal method you plan to use."How investment costs affect your retirement spending"Use the following interactive example to see how lowering your investment costs can help increase the amount of money you have available to spend each year in retirement."Plan for a long retirementEstimates the probability of living to a specific age for a single male, a single female or either spouse of a couple. Calculations are based on mortality data from the Society of Actuaries Retirement Participant 2000 Table.

MarketWatchTime to replace the 4% withdrawal rule? [Robert Powell, 22Apr10] "Sharpe's study, in essence, shows that retirees waste money by adopting the 4% rule. 'The 4% rule's approach to spending and investing wastes a significant portion of a retiree's savings and is thus prima facie inefficient,' Sharpe wrote... [yet] there's no practical mechanism to replace it with and that further research is required."

The Longevity Game [Northwestern Mutual Life]
"How long can you expect to live? We developed the Longevity Game to give you a peek into your future by identifying the factors that can lead to a healthier, more productive life."

Probability of living a selected number of years [Vanguard]Estimates the probability of living to a specific age for a single male, a single female or either spouse of a couple. Calculations are based on mortality data from the Society of Actuaries Retirement Participant 2000 Table.